Most folks will give you advice that benefits them, not you. 

Is there a benefit to splitting off?

Also, they need to have been issued with the goal of cash value accumulation as regular policies are usually crafted for the most death benefit with the lowest premium cost, limiting the cash value.All the information of your current policies were given to you in the initial contract.

I am looking for 2nd lien HELOC and ability to use the same account to credit my salary and expenditure in Texas.

Monitor the market conditions and property values to seize opportunities if they arise.Diversification: While your goal is to pay off the property and use cash flow for the next investment, consider the benefits of diversification.

Credit score: 750+Employment status: Employed, Full-time

if your using Credit to travel it will cost you even more.

As long as the property cash flows and you have a decent credit score, you should be able to cash out refinance your current property up to 75% of what it is currently worth.

So, that's a positive and it sounds like you can benefit from that by figuring out a way to hang on until then. 

Tenants can deposit via checking or credit card.